Start repairing your credit with a plan that fits

Create your account in about a minute. You'll read and sign everything before you pay, and you can cancel for a full refund inside your cancellation window.

1. Choose your plan

Our full programCredit CompleteThe full engine, month to month: bureau rounds, collectors, furnishers, and CFPB escalation. Stay as long as the work needs.$249per month

Credit Essentials$147per monthThree bureaus, every month, that is it. One certified letter each to Equifax, Experian, and TransUnion, tracked to the day.Credit and Beyond$499per monthEverything in Complete plus the strategy work that gets you from clean to approved.

What each plan includes
	EssentialsCredit Essentials	CompleteCredit Complete	BeyondCredit and Beyond
Review of all 3 credit reports	Included	Included	Included
Certified-mail disputes with all 3 bureaus	1 a month	Every round	Every round
Letters asking collectors to prove the debt	Not included	Included	Included
Disputes to the companies reporting	Not included	Included	Included
Complaints to regulators if needed	Not included	Included	Included
Progress report	Monthly	Each round	Each round
Strategy session and coaching	Not included	Not included	Included
Goodwill letters and a credit-building plan	Not included	Not included	Included

What's included, in detail

Credit Essentials

47-point Metro 2 scan of all three reports
Three certified-mail disputes every month: one each to Equifax, Experian, and TransUnion
30-day deadline tracking
Monthly progress report

Credit Complete

47-point Metro 2 scan of all three reports
Certified-mail disputes to all three bureaus, round after round
Debt validation letters to collectors (FDCPA § 809)
Direct furnisher disputes (FCRA § 623)
CFPB and state Attorney General escalation
Personal information and address cleanup
Progress reports after every round

Credit and Beyond

Everything in Credit Complete
60-minute strategy session with a written plan
Goodwill letter campaign to creditors
Credit-building roadmap
Two follow-up coaching sessions
Priority processing, 48-hour turnaround

No payment yet. You pay after you've read and signed your agreements.

2. Create your login

Legal first name

Legal last name

Use the name on your ID. It goes on your agreements and dispute letters.

Password

At least 10 characters. A short phrase is easier to remember.

I agree to the terms of use and privacy policy.

Choose a plan above to continue. Nothing is charged until you have read and signed your agreements.

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We'll ask for these later

About 15 minutes in total

Photo IDDriver license, state ID or passport
Proof of your Social Security numberYour Social Security card, a W-2 or an SSA‑1099
Proof of addressA bill or statement dated in the last 60 days
Credit monitoringYour IdentityIQ login, or start their $1 trial during sign up

None of these are needed to create your account. You can skip any of them and come back, or call us and we'll take them by phone or mail. Photos from your phone are fine.